SERES ENGINEERING 401(K) PLAN Investment Options
Available Funds in SERES ENGINEERING 401(K) PLAN
Below is the lineup of investment options available to participants in SERES ENGINEERING 401(K) PLAN. This typically includes a mix of mutual funds, index funds, and collective investment trusts (CITs) — which are pooled investment vehicles custom-built for large retirement plans, often with lower expense ratios than their retail mutual fund equivalents.
When evaluating these options, focus on expense ratios (lower is better), asset class coverage (U.S. stocks, international stocks, bonds, and stable value), and whether low-cost index funds are available. Research consistently shows that low-cost, broadly diversified index funds outperform most actively managed funds over the long term.
| Investment Description |
|---|
| AB Relative Value Fund A Registered Investment Company |
| Franklin Small Cap Value Fund-A Registered Investment Company |
| Fidelity Adv Freedom 2050 – M Registered Investment Company |
| Alger Mid Cap Growth Instl – I Registered Investment Company |
| Col Sel Mid Cap Value I Registered Investment Company |
| AB Sustain Glb Thematic Gr A Registered Investment Company |
| Franklin Rising Dividends – A Registered Investment Company |
| DWS Croci US A Registered Investment Company |
| Nuveen Real Est Securities A Registered Investment Company |
| Janus H Overseas Fund – S Registered Investment Company |
| Fidelity Adv Freedom Inc. – M Registered Investment Company |
| Fidelity Adv Freedom 2010 – M Registered Investment Company |
| Fidelity Adv Freedom 2020 – M Registered Investment Company |
| Fidelity Adv Freedom 2030 – M Registered Investment Company |
| Fidelity Adv Freedom 2040 – M Registered Investment Company |
| Blackrock Lg Cap Foc Growth – A Registered Investment Company |
| DWS Global High Income S Registered Investment Company |
| State St Russ SC Index VIII Common / Collective Trust |
| State St S&P 500 Index IX Common / Collective Trust |
| State St S&P Mid Cap Index NL J Common / Collective Trust |
| State St Cons Str Bal SLS VII Common / Collective Trust |
| State St Mod Str Bal SLS VII Common / Collective Trust |
| State St Agg Str Bal SLS VII Common / Collective Trust |
| (Form 5500) |
| (6) Net investment gain (loss) from common/collective trusts …………………… 2b |
| AB RELATIVE VALUE FUND A |
| FRANKLIN SMALL CAP VALUE FD-A |
| FIDELITY ADV FREEDOM 2050 FD-M |
| ALGER MID CAP GROWTH INSTL – I |
| AB SUSTAIN GLB THEMATIC GR A |
| COL SEL MID CAP VALUE I |
| FRANKLIN RISING DIVIDENDS – A |
| DWS CROCI US A |
| NUVEEN REAL EST SECURITIES A |
| JANUS H OVERSEAS FUND – S |
| FIDELITY ADV FREEDOM INC. – M |
| FIDELITY ADV FREEDOM 2010 – M |
| FIDELITY ADV FREEDOM 2020 – M |
| FIDELITY ADV FREEDOM 2030 – M |
| FIDELITY ADV FREEDOM 2040 – M |
| BLKRCK LG CP FOC GRTH- A |
| DWS GLOBAL HIGH INCOME S |
| STATE ST RUSS SC IDX VIII |
| STATE ST S&P 500 IDX IX |
| STATE ST S&P MD CP IDX NL J |
| STATE ST CONS STR BAL SLS VII |
| STATE ST MOD STR BAL SLS VII |
| STATE ST AGG STR BAL SLS VII |
How to Build a Smart Portfolio in Your 401(k)
Your investment lineup is only as good as how you use it. Here are the key steps to building a portfolio that works for your retirement goals:
- Know your risk tolerance and timeline. If you are decades from retirement, you can generally afford more stock exposure. Closer to retirement, you may want to shift toward bonds and stable value for capital preservation.
- Diversify across asset classes. Spread investments across U.S. stocks, international stocks, bonds, and possibly real estate or stable value. This reduces the impact of any single market downturn.
- Favor low-cost index funds. Even a 0.5% difference in annual fees compounds to tens of thousands of dollars over a 30-year career. If your plan offers an S&P 500 index fund or a total stock market index fund at low cost, that is typically a strong core holding.
- Consider a target-date fund if you prefer simplicity. Target-date funds automatically adjust your stock/bond allocation as you approach retirement, making them a solid one-fund solution for hands-off investors.
- Rebalance at least annually. Over time, your portfolio drifts from its target allocation as some assets outperform others. Rebalancing keeps your risk level consistent.
Learn more in our Four-Step Guide for 401(k) Retirement Investing, or use the Asset Allocation Calculator to find the right mix for your age and risk tolerance.
Model Asset Allocation Portfolios
Not sure how to allocate your investments? These model portfolios are built from core, broadly diversified asset classes using ultra-low-cost index funds. Choose a template that matches your risk tolerance, then adapt it to the specific funds available in SERES ENGINEERING 401(K) PLAN. See Asset Allocation Portfolio Templates for a detailed guide.
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Common | Inception |
|---|---|---|---|---|---|---|---|---|---|
| Four Core Asset Portfolio | 4.74% | 18.86% | 12.42% | 5.72% | 8.01% | 7.30% | 6.92% | … | … |
| Five Core Asset Portfolio | 4.70% | 18.79% | 12.38% | 5.55% | 7.97% | 7.19% | 6.94% | … | … |
| Three Core Asset Portfolio | 4.57% | 19.80% | 13.11% | 6.19% | 8.52% | 7.64% | 7.10% | … | … |
| Two Core Asset Portfolio | 3.87% | 19.18% | 13.68% | 6.85% | 9.34% | 8.84% | 7.95% | … | … |
| Yale Endowment Template | 5.35% | 17.45% | 11.87% | 5.56% | 8.33% | 7.96% | 7.55% | … | … |
| S&P 500 Index | 5.96% | 30.43% | 21.65% | 12.98% | 15.09% | 13.73% | 10.93% | … | … |
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Puzzled on what to invest?
- We ask a few questions to decide your personal return and risk expectations
- We build a custom portfolio for your plan (401(k), 403(b), 529 …) or for a brokerage account
- We monitor and send timely rebalance emails on what investment funds to buy and sell
Looking for ideas to generate income?
- ETF or mutual fund income portfolios for 4-7% annual income
- Dividend stock funds
- Passive real estate investments
- more …
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